Herald Applications API

openapi: 3.0.1
info:
  title: Herald API
  description: >-
    Herald is a unified REST API for commercial insurance. A single integration
    lets software platforms create applications, submit them to many carriers,
    and retrieve normalized quotes, products, classifications, distributors,
    producers, and files. Requests are authenticated with an OAuth2
    client-credentials bearer token; an API key may also be supplied directly
    as a bearer token. The API is resource-oriented with JSON request and
    response bodies and standard HTTP status codes.
  termsOfService: https://www.heraldapi.com
  contact:
    name: Herald Support
    url: https://docs.heraldapi.com
  version: '1.0'
servers:
  - url: https://api.heraldapi.com
    description: Production
security:
  - bearerAuth: []
tags:
  - name: Authentication
  - name: Applications
  - name: Submissions
  - name: Quotes
  - name: Products
  - name: Classifications
  - name: Distributors
  - name: Producers
  - name: Files
  - name: Webhooks
paths:
  /auth/token:
    post:
      operationId: createAccessToken
      tags:
        - Authentication
      summary: Exchange API credentials for an access token
      description: >-
        Use the OAuth2 client-credentials grant to exchange a client_id and
        client_secret for a short-lived bearer access token. Access tokens
        expire 24 hours after issuance. The returned token is sent in the
        Authorization header as `Bearer <access_token>` on subsequent calls.
      security: []
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/AccessTokenRequest'
      responses:
        '200':
          description: An access token was issued.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/AccessTokenResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /applications:
    post:
      operationId: createApplication
      tags:
        - Applications
      summary: Create an application
      description: >-
        Create an application for one or more products. Herald returns the set
        of risk_values and coverage_values (questions) the selected products
        require so they can be answered before submission.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/ApplicationCreateRequest'
      responses:
        '201':
          description: The application was created.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Application'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/UnprocessableEntity'
  /applications/{application_id}:
    parameters:
      - $ref: '#/components/parameters/ApplicationId'
    get:
      operationId: getApplication
      tags:
        - Applications
      summary: Retrieve an application
      description: Retrieve a single application, including its current risk and coverage values.
      responses:
        '200':
          description: The requested application.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Application'
        '404':
          $ref: '#/components/responses/NotFound'
    put:
      operationId: updateApplication
      tags:
        - Applications
      summary: Update an application
      description: >-
        Update an application by submitting values for its risk_values and
        coverage_values. Conditional questions may be revealed as values are
        supplied until the application is complete.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/ApplicationUpdateRequest'
      responses:
        '200':
          description: The updated application.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Application'
        '404':
          $ref: '#/components/responses/NotFound'
        '422':
          $ref: '#/components/responses/UnprocessableEntity'
  /submissions:
    post:
      operationId: createSubmission
      tags:
        - Submissions
      summary: Submit an application to carriers
      description: >-
        Submit a completed application to carriers, creating one quote per
        requested product. The response includes a quote_previews array with a
        quote_id for each product. Submissions cannot be edited after creation.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/SubmissionCreateRequest'
      responses:
        '201':
          description: The submission was created and quotes were requested.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Submission'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '422':
          $ref: '#/components/responses/UnprocessableEntity'
  /submissions/{submission_id}:
    parameters:
      - $ref: '#/components/parameters/SubmissionId'
    get:
      operationId: getSubmission
      tags:
        - Submissions
      summary: Retrieve a submission
      description: Retrieve a submission and its quote previews.
      responses:
        '200':
          description: The requested submission.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Submission'
        '404':
          $ref: '#/components/responses/NotFound'
  /quotes/{quote_id}:
    parameters:
      - $ref: '#/components/parameters/QuoteId'
    get:
      operationId: getQuote
      tags:
        - Quotes
      summary: Retrieve a quote
      description: >-
        Retrieve a normalized quote by its quote_id, including status, premium,
        coverage values, and any associated files. Poll until the quote and its
        files reach an available status.
      responses:
        '200':
          description: The requested quote.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Quote'
        '404':
          $ref: '#/components/responses/NotFound'
  /products:
    get:
      operationId: listProducts
      tags:
        - Products
      summary: List products
      description: >-
        List the products a producer has access to. Filter by producer to see
        only the carrier products that producer can quote.
      parameters:
        - name: producer_id
          in: query
          description: Return only products accessible to this producer.
          required: false
          schema:
            type: string
      responses:
        '200':
          description: A list of products.
          content:
            application/json:
              schema:
                type: object
                properties:
                  products:
                    type: array
                    items:
                      $ref: '#/components/schemas/Product'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /products/{product_id}:
    parameters:
      - $ref: '#/components/parameters/ProductId'
    get:
      operationId: getProduct
      tags:
        - Products
      summary: Retrieve a product
      description: Retrieve a single product, including its carrier, line of business, and question set.
      responses:
        '200':
          description: The requested product.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Product'
        '404':
          $ref: '#/components/responses/NotFound'
  /classifications:
    get:
      operationId: listClassifications
      tags:
        - Classifications
      summary: List NAICS index-entry classifications
      description: >-
        Search Herald's normalized NAICS index entries. Each Herald Code maps to
        the corresponding carrier code for every supported product, giving a
        single classification taxonomy across carriers.
      parameters:
        - name: query
          in: query
          description: A free-text search against NAICS index-entry descriptions.
          required: false
          schema:
            type: string
      responses:
        '200':
          description: A list of classifications.
          content:
            application/json:
              schema:
                type: object
                properties:
                  classifications:
                    type: array
                    items:
                      $ref: '#/components/schemas/Classification'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /distributors:
    post:
      operationId: createDistributor
      tags:
        - Distributors
      summary: Create a distributor
      description: >-
        Create a distributor, the organizational layer above producers,
        identified by name and one or more domains.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/DistributorCreateRequest'
      responses:
        '201':
          description: The distributor was created.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Distributor'
        '401':
          $ref: '#/components/responses/Unauthorized'
    get:
      operationId: listDistributors
      tags:
        - Distributors
      summary: List distributors
      responses:
        '200':
          description: A list of distributors.
          content:
            application/json:
              schema:
                type: object
                properties:
                  distributors:
                    type: array
                    items:
                      $ref: '#/components/schemas/Distributor'
  /distributors/{distributor_id}/producers:
    parameters:
      - $ref: '#/components/parameters/DistributorId'
    post:
      operationId: createProducer
      tags:
        - Producers
      summary: Create a producer
      description: Create a producer beneath a distributor. Producers connect to products and submit applications.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/ProducerCreateRequest'
      responses:
        '201':
          description: The producer was created.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Producer'
    get:
      operationId: listProducers
      tags:
        - Producers
      summary: List producers
      responses:
        '200':
          description: A list of producers under the distributor.
          content:
            application/json:
              schema:
                type: object
                properties:
                  producers:
                    type: array
                    items:
                      $ref: '#/components/schemas/Producer'
  /files/{file_id}:
    parameters:
      - $ref: '#/components/parameters/FileId'
    get:
      operationId: getFile
      tags:
        - Files
      summary: Retrieve file metadata and a download link
      description: >-
        Retrieve file metadata by file_id and a temporary download link, valid
        for a short window, once the file reaches an available status.
      responses:
        '200':
          description: The requested file.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/File'
        '404':
          $ref: '#/components/responses/NotFound'
  /webhooks:
    post:
      operationId: createWebhook
      tags:
        - Webhooks
      summary: Create a webhook subscription
      description: >-
        Register a URL to receive POST callbacks for the selected event types,
        such as quote_status_update, file_status_update, policy_status_update,
        and submission_creation. Deliveries are retried on non-200 responses.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/WebhookCreateRequest'
      responses:
        '201':
          description: The webhook subscription was created.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Webhook'
        '401':
          $ref: '#/components/responses/Unauthorized'
    get:
      operationId: listWebhooks
      tags:
        - Webhooks
      summary: List webhook subscriptions
      responses:
        '200':
          description: A list of webhook subscriptions.
          content:
            application/json:
              schema:
                type: object
                properties:
                  webhooks:
                    type: array
                    items:
                      $ref: '#/components/schemas/Webhook'
  /webhooks/{webhook_id}:
    parameters:
      - $ref: '#/components/parameters/WebhookId'
    delete:
      operationId: deleteWebhook
      tags:
        - Webhooks
      summary: Delete a webhook subscription
      responses:
        '204':
          description: The webhook subscription was deleted.
        '404':
          $ref: '#/components/responses/NotFound'
components:
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: >-
        Send an API key or an access token from /auth/token in the
        Authorization header as `Bearer <token>`. Access tokens are obtained via
        the OAuth2 client-credentials grant and expire after 24 hours.
  parameters:
    ApplicationId:
      name: application_id
      in: path
      required: true
      description: The unique identifier of the application.
      schema:
        type: string
    SubmissionId:
      name: submission_id
      in: path
      required: true
      description: The unique identifier of the submission.
      schema:
        type: string
    QuoteId:
      name: quote_id
      in: path
      required: true
      description: The unique identifier of the quote.
      schema:
        type: string
    ProductId:
      name: product_id
      in: path
      required: true
      description: The unique identifier of the product.
      schema:
        type: string
    DistributorId:
      name: distributor_id
      in: path
      required: true
      description: The unique identifier of the distributor.
      schema:
        type: string
    FileId:
      name: file_id
      in: path
      required: true
      description: The unique identifier of the file.
      schema:
        type: string
    WebhookId:
      name: webhook_id
      in: path
      required: true
      description: The unique identifier of the webhook subscription.
      schema:
        type: string
  responses:
    Unauthorized:
      description: Authentication credentials were missing or invalid.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    NotFound:
      description: The requested resource was not found.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    UnprocessableEntity:
      description: The request was well-formed but contained invalid values.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  schemas:
    AccessTokenRequest:
      type: object
      required:
        - grant_type
        - client_id
        - client_secret
      properties:
        grant_type:
          type: string
          example: client_credentials
        client_id:
          type: string
        client_secret:
          type: string
    AccessTokenResponse:
      type: object
      properties:
        access_token:
          type: string
        token_type:
          type: string
          example: Bearer
        expires_in:
          type: integer
          description: Lifetime of the access token in seconds.
          example: 86400
    Application:
      type: object
      properties:
        id:
          type: string
          example: app_a1b2c3
        status:
          type: string
          example: incomplete
        products:
          type: array
          items:
            type: string
            example: prd_m3qr_herald_general_liability
        risk_values:
          type: array
          items:
            $ref: '#/components/schemas/ParameterValue'
        coverage_values:
          type: array
          items:
            $ref: '#/components/schemas/ParameterValue'
    ApplicationCreateRequest:
      type: object
      required:
        - products
      properties:
        products:
          type: array
          items:
            type: string
            example: prd_m3qr_herald_general_liability
    ApplicationUpdateRequest:
      type: object
      properties:
        risk_values:
          type: array
          items:
            $ref: '#/components/schemas/ParameterValue'
        coverage_values:
          type: array
          items:
            $ref: '#/components/schemas/ParameterValue'
    ParameterValue:
      type: object
      properties:
        parameter_id:
          type: string
          example: rsk_b3jm_2017_naics_index
        value: {}
    SubmissionCreateRequest:
      type: object
      required:
        - producer_id
        - application
      properties:
        producer_id:
          type: string
          example: prdcr_9f8e
        application:
          type: object
          description: The application id (dynamic) or full application object (static).
          properties:
            id:
              type: string
              example: app_a1b2c3
    Submission:
      type: object
      properties:
        id:
          type: string
          example: sub_7h6g
        producer_id:
          type: string
          example: prdcr_9f8e
        quote_previews:
          type: array
          items:
            type: object
            properties:
              quote_id:
                type: string
                example: qot_5d4c
              product_id:
                type: string
                example: prd_m3qr_herald_general_liability
    Quote:
      type: object
      properties:
        id:
          type: string
          example: qot_5d4c
        status:
          type: string
          example: available
        product_id:
          type: string
          example: prd_m3qr_herald_general_liability
        premium:
          type: number
          example: 1450.0
        currency:
          type: string
          example: USD
        files:
          type: array
          items:
            $ref: '#/components/schemas/File'
    Product:
      type: object
      properties:
        id:
          type: string
          example: prd_m3qr_herald_general_liability
        name:
          type: string
          example: Herald General Liability
        institution_id:
          type: string
          example: ins_century
        line_of_business:
          type: string
          example: general_liability
    Classification:
      type: object
      properties:
        code:
          type: string
          description: The Herald Code for this NAICS index entry.
          example: rsk_b3jm_2017_naics_index
        description:
          type: string
          example: Restaurants, full-service
        naics_code:
          type: string
          example: '722511'
    Distributor:
      type: object
      properties:
        id:
          type: string
          example: dst_1a2b
        name:
          type: string
          example: Acme Insurance Agency
        domains:
          type: array
          items:
            type: string
            example: acme-insurance.com
    DistributorCreateRequest:
      type: object
      required:
        - name
      properties:
        name:
          type: string
          example: Acme Insurance Agency
        domains:
          type: array
          items:
            type: string
            example: acme-insurance.com
    Producer:
      type: object
      properties:
        id:
          type: string
          example: prdcr_9f8e
        distributor_id:
          type: string
          example: dst_1a2b
        name:
          type: string
          example: Jane Broker
    ProducerCreateRequest:
      type: object
      required:
        - name
      properties:
        name:
          type: string
          example: Jane Broker
    File:
      type: object
      properties:
        id:
          type: string
          example: fil_3c4d
        status:
          type: string
          example: available
        file_name:
          type: string
          example: quote-letter.pdf
        content_type:
          type: string
          example: application/pdf
        download_url:
          type: string
          format: uri
          description: A temporary, time-limited download link.
    Webhook:
      type: object
      properties:
        id:
          type: string
          example: whk_2b3c
        url:
          type: string
          format: uri
          example: https://example.com/herald/webhook
        event_types:
          type: array
          items:
            type: string
          example:
            - quote_status_update
            - file_status_update
            - submission_creation
    WebhookCreateRequest:
      type: object
      required:
        - url
        - event_types
      properties:
        url:
          type: string
          format: uri
          example: https://example.com/herald/webhook
        event_types:
          type: array
          items:
            type: string
          example:
            - quote_status_update
            - policy_status_update
    Error:
      type: object
      properties:
        status:
          type: integer
          example: 422
        title:
          type: string
          example: Unprocessable Entity
        detail:
          type: string
          example: One or more parameter values are invalid.